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Reply to "What to do first? Debt vs Savings/Retirement"
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[quote=Anonymous]This budget is not yet complete. I think if you do look at dave ramsey with your husband you guys can get on the same page and support each other in this. It will be easier to make cuts if you are both on the same page. Right now you have a high income but you are bleeding money to debt instead of investing money and letting it work for you. Your budget is not complete in that it has no gifts, no birthday parties, no pet expenses, no medical copays, no clothing, no shoes, no car maintenance expenses. You need to budget every dollar of your income so you are directing it instead of being led by your expenses. You have what is known in Dave Ramsey world as a big shovel - you have a high income and can dig yourself out. You have very low student loans - the cars and credit cards are from living beyond your means. Those past choices are hindering your ability to invest in your future. Good luck! [/quote]
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